There is no doubt that setting aside funds on a regular basis is a prudent investment strategy.

How you choose to do this, the term you select and the commissions paid to your adviser will have a direct impact on the returns you receive.

Structured
correctly, they can be an effective and powerful tool. However, whilst your financial adviser will be quick to point out the benefits, such as access to a wide range of offshore funds, a disciplined approach to investing on a regular basis and the powerful effects of "dollar cost averaging", they are not so forthcoming when it comes to the costs and commissions associated with these types of vehicles.

The nature of the contract recommended, and in particular,
the term of the contract, can have significant implications especially if your circumstances change and you need to reduce, suspend or cease your contributions.

The
“Survival Guide to Regular Savings” is essential reading for anyone that already has a regular savings plan or are currently looking at establishing one.
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